We, our, and us, when used in this
notice, mean Jackson Federal Saving And Loan Association.

This is our privacy notice for our
customers. When we use the words "you"
and "your" we mean the following types of customers:

� Our consumer customers
who have a continuing relationship by
purchasing or holding financial products or services such as a(n):

� Deposit account

� Loan account

� Safe deposit box

� All IRA accounts for
which we act as custodian

We will tell you the sources of
the information we collect about you. We will
tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information

means information about you that we collect in connection with providing
a financial product or service to you. Nonpublic personal information
does not include information that is available from public sources, such
as telephone directories or government records. Hereafter, we will use
the term "information" to mean nonpublic personal information
as defined in this section.

An affiliate is a company
we own or control, a company that owns or controls us, or a company that
is owned or controlled by the same company that owns or controls us.
Ownership does not mean complete ownership, but means owning enough to
have control.

A nonaffiliated third party
is a person we do not employ or a company
that is not an affiliate of ours. This is also known as nonaffiliated
third
party, or simply, an "other party."

THE INFORMATION WE
COLLECT

We collect
information about you from the following sources:

� Information you give us
on applications or other forms

� Information about your
transactions with us

� Information about your
transactions with other parties

� Information from a
consumer reporting agency

INFORMATION WE
DISCLOSE ABOUT YOU

We do NOT disclose any information
about you to anyone, except as permitted
by law. This might include disclosures necessary to service your account,
perform joint marketing or prevent unauthorized transactions.

THE CONFIDENTIALITY,
SECURITY, AND
INTEGRITY OF YOUR INFORMATION

We restrict access to information
about you to those employees who need to
know that information to provide products or services to you. We maintain
physical, electronic, and procedural safeguards to protect this
information.

INFORMATION ABOUT
FORMER CUSTOMERS

We do not disclose information
about former customers, except as permitted by law